To take advantage of the deal, bank customers have to opt in at the company's website. So far the bank group has signed up Caffè Nero and the pub chain, the Hungry Horse, among others, although the 1% back on petrol at BP is likely to attract the most users. The bank group said it will be adding more retailers as the scheme expands.

If you are a customer of another bank, there are plenty of other cashback cards which pay up to 5%.

Top of most best-buy tables is the American Express Platinum cashback card, which pays new cardholders a 5% introductory sum (maximum £100) for the first three months on up to £2,000 of spending. After that, spending attracts 1.25% cashback – spend over £10,000 in a year and you also get 2.5% cashback in your anniversary month. The downside is that you must pay a £25 annual fee.

Amex's Platinum Cashback Everyday card also pays 5% cashback for the first three months on up to £2,000 spending but has no annual fee. Thereafter it pays 0.5% on spend of up to £3,500 per year; 1% on annual spend of £3,501-£7,500; and 1.25% on spend of over £7,501. But beware, you get no cashback if you spend less than £3,000 a year.

A good deal among the fee-free cashback cards is Capital One's Aspire World which pays a tiered amount of cashback up to 1.25% on all spending made in the UK. It pays 0.5% on annual spending under £6,000, 1% on spending between £6,000 and £10,000 and 1.25% on spending above £10,000.

The card is also good for spending abroad because there is no 'load' added to purchase transactions compared with the 3% charged by most other credit cards. But note that overseas spending on the card does not qualify for cashback.

Sainsbury's Cashback MasterCard offers 5% cashback (capped at £50 per month) on Sainsbury's shopping for first three months. Thereafter it pays £5 cashback each month when you spend at least £250 per month in Sainsbury's and £250 per month elsewhere.

Meanwhile Asda Money MasterCard gives 1% on Asda supermarket and petrol transactions and 0.5% cashback on all other purchases.

Martin Lewis, the founder and editor of moneysavingexpert.com said users have to be in a position to clear their balance in full each month to make these deals work.

He said: "The best way to be sure of paying your card bill off in full each month is to set up a direct debit which will allow the card provider to take a variable monthly amount from your bank account corresponding to what you owe. By doing this, you've effectively made your credit card a debit card, but one that pays you every time you spend on it."

He added that most consumers should aim for a long-term cashback rate. However, the short-term deals can work if you are planning to spend more than usual on big-ticket items such as a holiday or furniture in the near future.

• This article was amended on 16 August 2013. An earlier version said incorrectly that the Hungry Horse was an online takeaway food delivery service. It is, in fact, a pub chain.